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"About 11 o'clock last night the water started coming in over the bridge. Between 11 and 11:20 it was incredible how fast it rose. There was really no time to move. Or get out. Or anything.... Whatever is gone in this neighborhood is gone. It's a total loss." |
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| Those words could be repeated many times again this winter in California. If it happens, are you covered? Chances are that your homeowners policy excludes flooding unless added by endorsement. |
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| In The Event Of A Flood |
| Steps To Take Today |
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Make an itemized list of personal, including furnishings, clothing, and valuables. Photographs - inside and out - are helpful. These will assist an adjuster in settling claims and will help prove uninsured losses, which are tax deductible. |
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 Learn the safest route from your home or place of business to high, safe ground if you should have to evacuate in a hurry. |
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| Keep a portable radio, emergency cooking equipment, and a flashlights in working order. |
| Persons who live in frequently flooded areas should keep on hand materials such such as sandbags, plywood, plastic sheeting, and lumber which can be used to protect property. (Remember, sandbags should not be stacked directly against the outer walls of a building, since, when wet, the bags may create added pressure on the foundation.) |
| Buy flood insurance. You should contact your property/casualty agent or broker about eligibility for flood insurance, which is offered through National Flood Insurance Program. Generally, there is a thirty day waiting period for this policy to become effective, so don't wait until the last minute to apply. |
| Keep your insurance policies and a list of personal property in a safe place, such as a safety deposit box. Know the name and location of the agent who issued these policies. (Hopefully that will be Mikkelsen Insurance Services.) "Service You Can Count On" |
To request a free quote click here  , specify flood insurance in the remarks section. |
